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The payments industry is undergoing a sea change as smartcard technology and mobile payments transform the global marketplace. In 2012 millions of consumers worldwide will have access to smart cards, NFC-enabled smart phones and mobile wallets. EMV, the Europay/MasterCard/Visa global interoperability chip-card standard for payments is about to sweep the Americas. In Asia, Europe and the Americas, contactless smart cards for the mass transit are migrating beyond the metro. Meanwhile mobile operators are challenging banks issuers by offering their own loyalty cards, coupons, targeted deals. And
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